In 2026, the FHA loan limits in Newport county, within Carteret, NC, are $472,030 for single-family homes, $604,400 for two-unit homes, $730,525 for three-unit properties, and $907,900 for four-unit buildings.
Regarding conventional loans, the maximum amount for a single-family home is $726,200. For properties with two units, the limit is $929,850; for three units, it is $1,123,900; and for four-unit homes, it is $1,396,800.
Utilize our FHA calculator to find today’s premier FHA rates and calculate the required down payment, as well as assess income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator enables comprehensive comparison of FHA rates and terms against other loan programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates extensive data from numerous lenders and efficiently compares it with your specific financial profile and needs.
For 2026 in Newport county, Carteret, NC, use the Loan Limits Comparison Table to analyze maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money loans. To review income, reserves, and credit requirement comparisons, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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